Circle Finance Group

05/06/2026

**Market Update**

Is the Australian property market losing momentum?

Recent data suggests the market is entering a softer phase after several years of strong growth.

🏠 National home prices were flat in May, with Sydney and Melbourne continuing to decline from recent peaks.

📉 AMP now expects Australian property prices to fall around 1% this year and a further 5% across 2026-27.

💰 Higher interest rates, stretched affordability, weaker buyer confidence and reduced tax incentives for investors are all weighing on demand.

🏘️ Not all property types will perform the same. Units and more affordable homes may prove more resilient due to strong first-home buyer activity and the expanded 5% deposit scheme.

📈 Rental markets remain tight, with rents rising almost 6% over the past year as vacancy rates stay near record lows.

⚖️ The biggest battle remains supply versus demand. Australia is still estimated to be short between 200,000 and 300,000 homes, which should help limit the extent of any price declines.

🔍 The bigger question is whether the 30-year property boom is entering a new phase. Rising interest rates, lower migration forecasts and changes to investor tax concessions could mean some of the major drivers of past growth are fading.

What does this mean for buyers and investors?

Property markets don’t move in straight lines. While some areas may experience price falls, opportunities often emerge when confidence is low and competition reduces. Understanding local markets, cash flow and long-term strategy will be more important than ever.

To find out more, DM or contact me on:
☎ – 0401 729 575
💻 – [email protected]
🖱️ – circlefg.com.au

Credit Representative 550632 is authorised under Australian Credit Licence 389328. Your full financial situation, needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

05/06/2026

🏡 Offset accounts surge as people manage rising rates 🏡 ⁣
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Instead of being paid interest on money in an offset account, the balance is deducted from your mortgage when interest is calculated each month.⁣
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And because you're then paying more of the principal each month, that reduces your home loan quicker, which also helps you save on interest long term. ⁣
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DM us to see if an offset account could work for you.👇⁣
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To find out more, DM us or contact Circle Finance Group on:

☎️ – 0401 729 575
💻 – [email protected]

Credit Representative 550632 is authorised under Australian Credit Licence 389328.

Your full financial situation, needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

04/06/2026

House price growth is slowing but experts say not to expect a crash. We look at what’s changed, and why today’s market may offer good opportunities for homebuyers. 🏡

House price growth is slowing but experts say not to expect a crash. We look at what’s changed, and why today’s market may offer good opportunities for homebuyers. Recent home price data from Cotality may be just what homebuyers have been waiting for. The latest figures show zero (0%) increase i...

03/06/2026

☕ 5% Deposit Scheme helps 300,000+ first home buyers ☕⁣
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Forget years of living on instant coffee and baked beans! You may not need a 20% deposit to buy your first home. ⁣
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The 5% Deposit Scheme has helped over 300,000 first home buyers get into the market with just a 5% deposit. 🏡⁣
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And because your loan is guaranteed by the government, you don’t pay lenders mortgage insurance. ⁣
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There are no waitlists. ⏳⁣
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No income limits. 💼⁣
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No place limits. 📍⁣
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And you’re free to buy an established home or build a new place. 🏗️⁣
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Talk to us about the 5% Deposit Scheme. It could be the helping hand that brings forward your home-buying plans. 👇⁣
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To find out more, DM us or contact Circle Finance Group on:

☎️ – 0401 729 575
💻 – [email protected]

Credit Representative 550632 is authorised under Australian Credit Licence 389328.

Your full financial situation, needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

01/06/2026

Everyone talks about rising property prices.

But what if you’re trying to buy your first home?

If Melbourne property prices fall by 5%, 10% or even more, that could mean:

✓ A smaller deposit to save
✓ Lower mortgage repayments
✓ Less competition from other buyers
✓ More choice in the market
✓ Greater negotiating power

For many first home buyers, the biggest challenge isn’t property prices rising after they buy.

It’s getting into the market in the first place.

While existing homeowners may not enjoy seeing prices fall, first home buyers often benefit from increased affordability and improved opportunities.

Sometimes the headlines that sound negative can actually create opportunities.

Are you a first home buyer waiting on the sidelines, or are you ready to take advantage of the current market?

To find out more, DM or contact me on:
☎ – 0401 729 575
💻 – [email protected]
🖱️ – circlefg.com.au
Representative 550632 is authorised under Australian Credit Licence 389328. Your full financial situation, needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

HomeOwnership

01/06/2026

😬 First home buyer regrets to avoid 😬⁣
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Here are the top regrets of first home buyers have about their mortgage, according to a survey by Money.com.au.⁣
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Paying too much in loan fees was the number one mistake. 💸⁣
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That’s followed by not having a loan with a competitive interest rate. 📉⁣
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Money.com.au found many first-time home buyers just apply for a loan with the first lender they come across. ⁣
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It’s only later they realise they have a loan that doesn’t suit their long-term needs. ⁣
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Skip the potential regrets. 🚫⁣
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Talk to us about a home loan that matches your needs, backed by a competitive rate. 👇⁣
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To find out more, DM us or contact Circle Finance Group on:

☎️ – 0401 729 575
💻 – [email protected]

Credit Representative 550632 is authorised under Australian Credit Licence 389328.

Your full financial situation, needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

29/05/2026

🤝 Broker versus bot? It’s no contest 🤝⁣
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The support of a broker eclipses anything an AI bot can dish up. That’s the finding of Great Southern Bank research. ⁣
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Financial decisions like buying a home are longterm and complex. ⁣
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That’s why we stay in touch every step of the way - even years after you've purchased.⁣
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Try saying that about a bot. DM us for human help.👇⁣
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To find out more, DM us or contact Circle Finance Group on:

☎️ – 0401 729 575
💻 – [email protected]

Credit Representative 550632 is authorised under Australian Credit Licence 389328.

Your full financial situation, needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

29/05/2026

The top three things were seeing in the lending space over the past couple of weeks:

1. Refinancing is a popular as ever to improve cash flow and maintain loan affordability. There are so many options to consider when it comes to refinancing, many come with a catch so it’s worth speaking to a specialist who can explain the cost / benefit clearly.

2. First home buyers are being smart and obtaining a fully assessed pre approval so that they can bid at auction or negotiate with full confidence. Don’t ever get caught out making an offer without pre approval!

3. Savvy home owners are realising that they can grow their wealth by making strategic home improvements before selling. New kitchens, bathrooms, adding a bedroom or two, or even granny flats can add serious value to your home.

To find out more, DM or contact me on:
☎ – 0401 729 575
💻 – [email protected]
🖱️ – circlefg.com.au

Credit Representative 550632 is authorised under Australian Credit Licence 389328. Your full financial situation, needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

28/05/2026

A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now. 🚀

A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now. The expansion of the popular 5% Deposit Scheme, combined with recent changes to rules for property investors, may be open...